HELP: Commonwealth Insurance denying coverage

[yebo]

Bottom line is, you lied on your claim that it was "own damage" when it was not. That is insurance fraud.

You should have
1. Told it straight that your vehicle was hit by another and that his insurance could not cover the damage. Your insurance would then collect from the other party the difference. It will be a legal battle between your insurance vs the other guy's insurance and the other guy.
2. Or claim ot under the offensing party's insurance then sue the other guy for the balance of 300k.

You lied. Worse, you conspired to defraud your own insurance. They have all the right to deny your claim.

[Archerfish]

Will update you guys kung ano man kahantungan nito.. Thanks ulit sa mga advise, feedback and comments.

Yes please, as this will serve as good information later.

Bottom line is, you lied on your claim that it was "own damage" when it was not. That is insurance fraud.

You should have
1. Told it straight that your vehicle was hit by another and that his insurance could not cover the damage. Your insurance would then collect from the other party the difference. It will be a legal battle between your insurance vs the other guy's insurance and the other guy.
2. Or claim ot under the offensing party's insurance then sue the other guy for the balance of 300k.

You lied. Worse, you conspired to defraud your own insurance. They have all the right to deny your claim.

It may be said that "he lied technically". However, he mentioned that he didn't want to lie that he even told everything to the insurance company and showed the signed agreement.

So I would like to interpret it this way: he didn't lie and has no intention of lying but to avoid the hassle, he filed "own damage". Technically, it can be said that he lied.

This makes me think, who among us has never lied?

In my own words, I'd rather say, "you made a mistake when you filed it that way". I might have done the same thing out of ignorance and even out of exasperation "just to go over it".

Let all of us learn from this situation, call your lawyer or your insurance agent before signing any documents.

Of course, make sure you have sufficient load at all times.
[emoji3]

[cdl]

Yes please, as this will serve as good information later.

It may be said that "he lied technically". However, he mentioned that he didn't want to lie that he even told everything to the insurance company and showed the signed agreement.

So I would like to interpret it this way: he didn't lie and has no intention of lying but to avoid the hassle, he filed "own damage". Technically, it can be said that he lied.

This makes me think, who among us has never lied?

In my own words, I'd rather say, "you made a mistake when you filed it that way". I might have done the same thing out of ignorance and even out of exasperation "just to go over it".

Let all of us learn from this situation, call your lawyer or your insurance agent before signing any documents.

Of course, make sure you have sufficient load at all times.
[emoji3]

This is totally what happened. Ignorance took a toll on me. Thank you for clearing it out *Archerfish. Again guys, we did not deny/lie anything from our insurance. From Day1, we mentioned everything and the very reason why we will be using our insurance. Again, in all honesty and practicality, we used our insurance para less hassle and for bigger coverage. But then again, the mistake was signing the agreement.

Will not comment on those assuming/negative/reproachful feedbacks as the main purpose of this thread, of any threads I supposed, is to seek advise/help/guidance. Let's help each other guys by providing helpful comments. Not just for TS but for everyone reading the thread/s.

Thanks again for all your comments and suggestions. Will provide any valuable updates. Good day!

[papi smith]

On the part of insurance naman, I think that the people you have talked to really want this to happen to you, they may have been left with no choice but to follow company rules as the circumstances have been discussed with so many people and any accommodation on your claim may mean collusion on their part. Probably if the amount wasn't that huge, then a senior manager may have the prerogative to rule in your favor.

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[papi smith]

Correction: DO NOT really want to do this to you. Hirap talaga gawa Ng mahabang post sa phone

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[shadow]

Lesson learned, huwag na mag magandang loob sa nakabangga, senior citizen, PWD or kahit pa they're dying from cancer. Kahit anong pakiusap nila, claim na agad kayo sa insurance ninyo.

And huwag na rin manglamang na dapat sila magbayad ng participation saka hingi pa allowance.

Kayo talaga magbabayad ng participation hinde sila dahil kayo ang kotse ninyo ang naka insured and hinde sa kanila.




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[leonleon]

Lesson learned, huwag na mag magandang loob sa nakabangga, senior citizen, PWD or kahit pa they're dying from cancer. Kahit anong pakiusap nila, claim na agad kayo sa insurance ninyo.

And huwag na rin manglamang na dapat sila magbayad ng participation saka hingi pa allowance.

Kayo talaga magbabayad ng participation hinde sila dahil kayo ang kotse ninyo ang naka insured and hinde sa kanila.




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Wala naman talaga pakialam ang insurance kung saan galing yung participation.

Que sa insured or sa nakabangga galing yung participation fee, that's no cause for denial of claim.

First time I've heard insurance asking for the "source" of the participation fee, and denying claim because it was the nakabangga who shouldered it.

Irregular nga na naguusisa pa sila sa "source".

I don't know the contents of the agreement TS signed, but if that's the cause of this denial, then I can only guess that it must have been worded to the detriment of the insurance company?

[shadow]

Wala nga pakialam kung sino magbayad pero sino ba ang naka insured hinde naman yun other Party, mag claim ka sa insursnce mo ikaw magbayad ng participation


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[leonleon]

Wala nga pakialam kung sino magbayad pero sino ba ang naka insured hinde naman yun other Party, mag claim ka sa insursnce mo ikaw magbayad ng participation


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Eh kung wala ako pambayad?

Some participation fees are as high as 1% of the amount insured.

1M = 10k participation fee.

Kung yung sugar mommy ko mag-offer na magbayad?

Bad ba yun?

Kelangan ko pa ba ireport sa insurance co. na di galing sa bulsa ko ang pera?

Cause for denial na ba yun?

Fraud na ba yun?

[papi smith]

Hula ko lang ha, it was worded plainly and effectively na quits na ang nakabangga. So Wala na talagang habol ang nabangga or any of it's representatives, in this case, the insurance company

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[leonleon]

Ang alam kong mali is kung nag-claim ka sa insurance ng nabangga, tapos nag claim ka ulit sa sarili mong insurance.

Yan ang no-no.

You can only claim once from one insurance company.

[shadow]

Eh kung wala ako pambayad?

Some participation fees are as high as 1% of the amount insured.

1M = 10k participation fee.

Kung yung sugar mommy ko mag-offer na magbayad?

Bad ba yun?

Kelangan ko pa ba ireport sa insurance co. na di galing sa bulsa ko ang pera?

Cause for denial na ba yun?

Fraud na ba yun?

Kung wala ka pang bayad ng participation dapat huwah na rin mag kotse.

Saka ibang issue yun sugar mommy mo magbayad or si Vice Ganda. Ang sinasabi ko huwag na ipapasa sa nakabangga para makalamang.





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[leonleon]

Hula ko lang ha, it was worded plainly and effectively na quits na ang nakabangga. So Wala na talagang habol ang nabangga or any of it's representatives, in this case, the insurance company

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That is a possibility, I agree.

[leonleon]

Kung wala ka pang bayad ng participation dapat huwah na rin mag kotse.

Saka ibang issue yun sugar mommy mo magbayad or si Vice Ganda. Ang sinasabi ko huwag na ipapasa sa nakabangga para makalamang.





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I get your point, bro.

Pero di naman panlalamang talaga yung paghingi ng konting danyos.

Kasi siya may kasalanan, siya bumangga sa iyo, tapos ikaw naperhuwisyo ng todo.

Tapos yung nakabangga, di natuto, kamote pa rin mag drive.

Ilang oras kayo sa police station, nagugutom ka na at sinisikmura, tapos mababawasan ka pa pera (participation), di mo pa magamit sasakyan mo (gagawin sa shop) ng ilang araw or weeks.

So it's only human nature I guess, to teach the offending party a lesson in the form of monetary reimbursement.

Kung pwede lang sana ipakulong kahit 24 hours lang.

[shadow]

I get your point, bro.

Pero di naman panlalamang talaga yung paghingi ng konting danyos.

Kasi siya may kasalanan, siya bumangga sa iyo, tapos ikaw naperhuwisyo ng todo.

Tapos yung nakabangga, di natuto, kamote pa rin mag drive.

Ilang oras kayo sa police station, nagugutom ka na at sinisikmura, tapos mababawasan ka pa pera (participation), di mo pa magamit sasakyan mo (gagawin sa shop) ng ilang araw or weeks.

So it's only human nature I guess, to teach the offending party a lesson in the form of monetary reimbursement.

Kung pwede lang sana ipakulong kahit 24 hours lang.

My point is it's still accident. Wala pa rin may gusto mangyari.

Lesson for them probably would be na habulin talaga ng insurance mo yun taong involved.


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[cast_no_shadow]

Hehe oo chances are may participation na dagdag mo pa yung depreciation for the replacement parts na ilalagay (pag palagay natin na more than 3 years old na yung unit)

I still ask if the offending party (kung siya ang at fault) can pay, kung wala naman maibabayad talaga ano pa ba magagawa ko charge to experience na lang talaga.

Technically yung kay TS madeny talaga, I think hindi naman sinadya na dayain ang insurance more of easy way out ang pinili niya na way, napahamak lang nung agreement with the other party. Naawa dahil senior na.

Naipit dahil naawa. Again charge to experience.


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[leonleon]

Nakakacurious tuloy kung ano wordings ng agreement na yun.

Baka lawyer yung nakabangga kaya alam paano wordings na wala na siyang liability ever.

[cast_no_shadow]

Nakakacurious tuloy kung ano wordings ng agreement na yun.

Baka lawyer yung nakabangga kaya alam paano wordings na wala na siyang liability ever.

Pero may weight nga ba yun?

Magagamit ba ni offending party or nung insurance niya para walang liabilities in case maghabol insurance ni TS?


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[leonleon]

My point is it's still accident. Wala pa rin may gusto mangyari.

Lesson for them probably would be na habulin talaga ng insurance mo yun taong involved.


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Depende sa claim amount yan kung hahabulin pa ng insurance yun nakabangga.

Most insurance write if off na lang kung wala rin mahihita sa bumangga (tricycle driver, jeepney driver, etc.)

Not worth the hassle for them to go after the other party and file a civil claim in court.

Araw-araw dami incidents within M.M. alone.

They have to pick their fights,too

And given our court system, 50-50 pa rin kung mananaalo sila sa kaso.

[maxpedition]

Tagal na kaso yan tapos malaki insurance company kalaban mo. Good luck [emoji24]

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